• CourtesyPay Fee* - $23 per item (n/a HSA)
• NSF Returned Item Fee - $23 per item
• Overdraft Transfer Fee - $4 per transfer (n/a HSA)
• Stop Payment - $15 per item or series of up to 25 items
• Counter Check - $1 per item
• Check Copies - Three copies per statement period at no charge; $1.50 per check for each additional copy
• Original Check Return Fee - $5 per item (if available)
• Research, Document Recovery, Reconciliation - $20 per hour with a one hour minimum
• Check Printing - At member's expense (Members 60 and over - Credit Union "Custom" checks at no charge. Doesn't include HSA, Daily Action or Money Market Advantage checks.)

  Minimum Balance Fees:

• Health Savings Account - $2 if below $2,000
• Dividend Checking - $6 if below $250
• Daily Action - $5 if below $2,000
• Money Market Advantage - $5 if below $25,000

  Checking Only:

• Bill Payer Stop Payment - $10 per request
• Bill Payer Check Copies - $7.50 per copy

  Daily Action and Money Market Advantage Only:

• Checks written below $500 minimum will be charged $10 per item. This fee is waived on checks used to close account.

Debit/ATM Card Fees

• Cards - No charge for the first two cards issued per account; $7 charge for each additional card; Replacement Cards - $7 each; Credit Union Document Copy Fee - first two pages - no charge, each additional page $1; Network Documentation Fee - $6 per item; Block & Capture - a fee of $70 may be charged; Research & Assistance - billed at $20 per hour; and Cancelled Cards - members requesting an ATM card will be assessed a card production fee of $7 if they return or cancel the card within 30 days from the opening date of the card. You may withdraw up to $700 (must have sufficient funds in your account; minimum savings balance-$50) at an ATM per day. Saturday and Sunday will be deemed as one day.
• Overdraft Transfer Fee - $4 per transfer
• CourtesyPay Fee* - $23 per item

Miscellaneous Fees

• ACH Returned Item Fee - $23 per item
• ACH CourtesyPay Fee* - $23 per item
• Money Orders - .01-$1,000 - $1 each
• Travelers Checks - $50 in shares - no charge
• Cheques for Two - 50¢ per $100
• Teller Checks - Two free checks per day, maximum of 10 free checks per month. $2 for each additional check. (No charge to members age 60 plus.)
• Cashiers Check - $2 (Two free per day with a Dividend Checking Account.)
• Check Cashing Fee - $50 in shares - no charge; less than $50 in shares - $3 per item
• Check Cashing Fee (non-member) - $10 or 1% of the face value of the check (Tax Return or Government Issued checks only.)
• Verification of Deposit - $2
• Third Party Endorsed - $10 per item; Checks deposited are subject to a three day hold.
• No Address/Abandoned Account - $6 per month when two quarterly statements are returned by mail and we are unable to locate the member.
• Account Close and Reopen Fee - $5 (If account is closed and reopened within 60 days, fee may be charged.)
• Incoming and Outgoing Wires - See your Credit Union for current fees.
• Statement Copy - First month free; additional months - $1 per page
• Returned Deposit Item - Non-member item - $5, Member item - $20
• Skip-A-Pay Fee - $25 per skipped loan payment (upon approval).
• Legal Order Processing Fee - $25 each
• Safe Deposit Box Annual Fees

  3x5"	- $15
  3x10"	- $35
  5x10"	- $50
  10x10"	- $90

Rent will be withdrawn yearly from an account designated by the member. Refunds for early withdrawal will be done on a full monthly fee basis for those months not used.

• Coin Handling - Rolled coin deposited - no charge; Exchange of rolled coin for currency greater than $20 per transaction - greater of $1 or 2% of the amount exchanged; Rolled coin out of balance - $2 per roll; Loose coin greater than $20 - greater of $1 or 2% of the amount counted; Members age 23 and under with loose coin counted and a portion deposited - no fee.

In order to use the services of the Credit Union, members must maintain $50 in their share account.

All fees may be subject to change. *Must be at least 18 years old and not past due on any Credit Union obligation. New checking accounts opened 90 days or less may have a $100 limit including fees. Eligibility is at the discretion of the Credit Union. Opt-out notice must be in writing. Repayment of overdraft balance and fees is payable upon demand. If payment is not made within 31 days, CourtesyPay may be suspended. The fee may be imposed for overdrafts created by checking, ATM withdrawals, debit card transactions or by other electronic means, as applicable.

For complete details, and to request a Rate and Fee Schedule and a Membership and Account Agreement please call 248-1720 (800-347-9222 outside the Yakima calling area), send an e-mail, or visit any Yakima Valley Credit Union location.